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Salt Lake Wonder

Salt Lake City, UT · Charter 16461

Q2 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Salt Lake Wonder

Salt Lake City, UT · Charter 16461

Q2 2007

$283KAssets
$238KLoans
$224KShares
$57KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.88%, up 109 bps year over year; NIM at 6.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.19%, up 241 bps from a year ago.
  • Funding: loans stand at 106.20% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.88%+109 bps YoY

Net Interest Margin (YTD, annualized)

6.72%+83 bps YoY

Efficiency Ratio (YTD, annualized)

82.84%-1,935 bps YoY

Net Worth / Assets

20.19%+241 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-0.21%0.60%1.13%1.46%0.88%+109 bps
Return on Equity-1.18%3.34%5.79%7.68%4.37%+555 bps
Net Interest Margin5.88%6.36%6.81%6.25%6.72%+83 bps
Efficiency Ratio102.19%90.87%83.81%77.36%82.84%-1,935 bps
Growth
Asset Growth (YoY)3.59%-3.25%-0.09%4.53%-2.09%-568 bps
Loan Growth (YoY)21.19%22.67%8.04%11.79%-10.84%-3,203 bps
Share Growth (YoY)4.48%-4.59%1.98%1.01%-4.23%-872 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.64%0.71%0.73%0.87%+26 bps
Capital
Risk-Based Capital17.78%17.86%19.59%19.05%20.19%+241 bps
Net Worth / Assets17.78%17.86%19.59%19.05%20.19%+241 bps
Liquidity & Funding
Loans / Shares114.08%109.49%103.42%97.88%106.20%-788 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps